Reservation-based preauthorization payment system

Abstract

A method and system for allowing the setting of reservations and the pre-authorization of credit to purchase a desired service for which a reservation is made. A customer accesses a reservation system that is integrated with a credit authorization system. The customer may make a reservation and substantially simultaneously become pre-authorized to pay for services to be provided at the reservation by one of any number of credit providers. Pre-authorized credit and reservation information is then supplied to the service provider in advance of services being provided, expediting the overall transaction time and allowing for a secure and cardless transaction procedure. The reservation and preauthorization information are typically stored upon the reservation system and then passed to the point-of-sale systems, but other types of input/output storage devices could be used to perform this function.

1 - 22 . (canceled) 
     
     
         23 . A method for securely completing a service transaction, comprising:
 receiving a request for a reservation for a reserved service to be provided by a specific service provider;   receiving a request for registering a form of payment for the reserved service to be provided by the specific service provider at the reservation using an account of the customer;   generating unique transaction identification information;   generating reservation information including: a date and time the reserved service is to be provided by the specific service provider to the customer at a specific service provider location to satisfy the reservation and the registered form of payment;   storing the reservation information and the registered form of payment on a database remote from the specific service provider;   transmitting the reservation and registered form of payment to the specific service provider;   using, after the reserved service is provided to the customer by the specific service provider, at least the registered form of payment at a point-of-sale associated with the specific service provider to generate payment information, which information includes at least the unique transaction identification information; and   transmitting the payment information to the database, the database completing payment to the specific service provider for provided services without the service provider being provided access to the customer's credit account.   
     
     
         24 . The method of  claim 23 , wherein unique transaction identification information is one of a code, a callback number and a biometric parameter. 
     
     
         25 . The method of  claim 23 , further including a system for issuing new credit. 
     
     
         26 . The method of  claim 23 , wherein the reservation information includes unique identification information. 
     
     
         27 . The method of  claim 23 , wherein the reservation request is transmitted over a computer network to the point-of-sale device. 
     
     
         28 . The method of  claim 23 , wherein the reservation request is transmitted over a phone-based network. 
     
     
         29 . The method of  claim 23 , wherein the preauthorization information is transmitted over one of a computer network and a phone-based network to the point-of-sale device. 
     
     
         30 . A reservation and secure payment method, the steps comprising:
 receiving a request for provision of a service from a customer;   verifying availability of a requested reservation for the service to be provided by a specific service provider at a service provider location, reserving the service with the specific service provider and generating reservation information, the information including a date and time the reserved service is to be provided by the specific service provider to the customer and a registered form of payment;   generating unique transaction identification information;   storing the reservation information and the registered form of payment on a database remote from the specific service provider;   transmitting at least some of the reservation and the registered form of payment to the specific service provider through use of a network;   using, after the service is provided to the customer by the specific service provider to satisfy the reservation, at least the registered form of payment at a point-of-sale associated with the specific service provider to generate at least some payment information, which information includes at least the unique transaction identification information; and   transmitting the payment information to the database to complete payment of charges associated with service provided at the reservation by the specific service provider without the service provider being provided with access to the customer's credit account information.   
     
     
         31 . The method of  claim 30 , wherein unique transaction identification information is one of a code, a callback number and a biometric parameter. 
     
     
         32 . The method of  claim 30 , further including the step of issuing new credit to a customer. 
     
     
         33 . The method of  claim 30 , wherein at least one of the reservation information and preauthorization information is received by the point-of-sale system. 
     
     
         34 . The method of  claim 30 , wherein the reservation request is transmitted over a computer network. 
     
     
         35 . The method of  claim 30 , wherein the reservation request is transmitted over a phone network. 
     
     
         36 . The method of  claim 30 , further including the step of storing reservation information and preauthorization information as a functional unit. 
     
     
         37 . The method of  claim 30 , wherein the reservation information includes unique identification information. 
     
     
         38 . The method of  claim 30 , wherein an amount of credit to be preauthorized is determined based at least partially upon reservation information. 
     
     
         39 . A device for receiving reservation information and securely transmitting payment information to a service provider, comprising:
 a memory;   a display;   a mechanism to receive a previously generated reservation with a specific service provider and a registered form of payment from a remote database, the reservation information including a date the reserved service is to be provided by the specific service provider, unique transaction identification information, and the registered form of payment;   a mechanism to generate at least some payment information after the reserved services are provided by the specific service provider at a point-of-sale associated with a specific service provider location to the customer pursuant to the reservation using received registered form of payment, the payment information including at least the unique transaction identification information and the cost of services rendered; and   a mechanism to transmit the payment information to the point-of-sale;   wherein the service provider is not provided access to the customer's credit account information.   
     
     
         40 . The device of  claim 39 , wherein unique transaction identification information is one of a code, a callback number and a biometric parameter. 
     
     
         41 . The device of  claim 39 , further including a printing mechanism. 
     
     
         42 . The device of  claim 39 , wherein the reservation and registered form of payment is received from a computer network-based reservation system. 
     
     
         43 . The device of  claim 39 , wherein the memory is of a random access type. 
     
     
         44 . The device of  claim 39 , wherein at least some of both the reservation and registered form of payment may be shown upon the display. 
     
     
         45 . The method of  claim 23 , further including storing coupon information on the remote database and using at least some of that information in the generation of payment information. 
     
     
         46 . The method of  claim 23 , further including storing gift card information on the remote database and using at least some of that information in the generation of payment information. 
     
     
         47 . The method of  claim 23 , further including assigning loyalty program points to a loyalty account based upon at least some generated payment information. 
     
     
         48 . The method of  claim 30 , further including storing coupon information on the remote database and using at least some of that information in the generation of payment information. 
     
     
         49 . The method of  claim 30 , further including storing gift card information on the remote database and using at least some of that information in the generation of payment information. 
     
     
         50 . The method of  claim 30 , further including assigning loyalty program points to a loyalty account based upon at least some generated payment information. 
     
     
         51 . The device of  claim 39 , further including a mechanism to input coupon information or gift card information into the remote database. 
     
     
         52 . The device of  claim 39 , wherein at least some coupon or gift card information is used in the generation of payment information. 
     
     
         53 . The device of  claim 39 , further including a mechanism to cause loyalty program points to be assigned to a loyalty account based upon at least some generated payment information.